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Patriot Group International Medical Insurance- Benefits
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Maximum Limits options
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$50,000, $100,000, $500,000, $1,000,000, $2,000,000 (U.S. citizens only)
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Individual Deductible Options
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$0, $100, $250, $500, $1,000, $2,500
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Coinsurance- for treatment received outside of the U.S.
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No Coinsurance (0%)
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Coinsurance- for treatment received within the U.S.
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In the PPO Network- 100% (Company pays)
Out of the PPO Network- 20% of eligible expenses up to $5,000, then 0%
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Continuation of Treatment
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Six months per injury or illness
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Incidental Home Country Coverage
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Up to 14 days
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End of Trip Home Country Coverage
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One month every six months of travel coverage purchased, up to a maximum of two months.
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Hospital Room & Board
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Average semi-private room rate up to the maximum limit. Includes nursing services.
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Intensive Care
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Up to the maximum limit
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Surgery
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Up to the maximum limit
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Physicians Visits
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Up to the maximum limit
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Diagnostic Procedures
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Up to the maximum limit
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Prescription Medication
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Up to the maximum limit
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Home Nursing Care
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Up to the maximum limit
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Local Ambulance Expense
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Up to the maximum limit
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Emergency Room
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Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
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Dental Emergency
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Up to the maximum limit for treatment due to an accident. $300 maximum limit for treatment of unexpected pain to sound, natural teeth.
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Emergency Medical Evacuation
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Up to $1,000,000 lifetime maximum (independent of the maximum limit). Not subject to deductible
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Emergency Reunion
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Up to $50,000 lifetime maximum
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Return of Remains or Cremation/Burial
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Up to $50,000 for return of mortal remains or $5,000 for cremation/burial. Not subject to deductible.
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Return of Minor Child(Ren)
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Up to $50,000. Not subject to deductible.
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Political Evacuation
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Up to $10,000. Not subject to deductible.
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Natural Disaster
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Up to $250 per day and five days for accommodation. Not subject to deductible.
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Terrorism
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Up to $50,000 maximum limit. Not subject to Deductible.
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Sudden and Unexpected Reoccurrence of a Pre-Existing Condition- Medical (for U.S. citizens only)
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Up to age 65 with primary health plan: URC up to maximum limit
Up to age 65 without primary health plan: $20,000 lifetime maximum.
Age 65+: $2,500 lifetime maximum.
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Sudden and Unexpected Reoccurrence of a Pre-Existing Condition- Emergency Medical Evacuation (for U.S. Citizens only)
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Up to age 65: $25,000 maximum limit
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Hospital Indemnity
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Up to $100 per overnight (up to a maximum of 10 overnights). Not subject to deductible.
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Common Carrier Accidental Death
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$50,000 per insured person and $250,000 maximum limit per lifetime and per family. Not subject to deductible.
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Accidental Death & Dismemberment
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$25,000 principal sum. Not subject to deductible.
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Identity Theft Assistance
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Up to $500. Not subject to deductible.
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Trip Interruption
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Up to $5,000. Not subject to deductible.
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Lost Luggage
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Up to $50 per item; maximum of $250. Not subject to deductible.
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Personal Liability
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$10,000
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